The Securities and Exchange Commission has not necessarily reviewed the information in this filing and has not determined if it is accurate and complete.
The reader should not assume that the information is accurate and complete.

UNITED STATES SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 13F

FORM 13F INFORMATION TABLE
OMB APPROVAL
OMB Number: 3235-0006
Estimated average burden
hours per response: 23.8
COLUMN 1 COLUMN 2 COLUMN 3 COLUMN 4 COLUMN 5 COLUMN 6 COLUMN 7 COLUMN 8
VALUE SHRS OR SH/ PUT/ INVESTMENT OTHER VOTING AUTHORITY
NAME OF ISSUER TITLE OF CLASS CUSIP (x$1000) PRN AMT PRN CALL DISCRETION MANAGER SOLE SHARED NONE
AT&T INC COM 00206R102 900 31,583 SH   SOLE   1,827 0 29,756
ABBOTT LABS COM 002824100 1,162 10,680 SH   SOLE   545 0 10,135
ALLSTATE CORP COM 020002101 1,480 15,722 SH   SOLE   782 0 14,940
ALTRIA GROUP INC COM 02209S103 504 13,037 SH   SOLE   968 0 12,069
APPLE INC COM 037833100 9,223 79,637 SH   SOLE   3,283 0 76,354
ASHLAND GLOBAL HLDGS INC COM 044186104 791 11,157 SH   SOLE   727 0 10,430
AUTONATION INC COM 05329W102 800 15,118 SH   SOLE   822 0 14,296
BCE INC COM NEW 05534B760 713 17,200 SH   SOLE   1,232 0 15,968
BK OF AMERICA CORP COM 060505104 530 22,019 SH   SOLE   0 0 22,019
BANK NEW YORK MELLON CORP COM 064058100 486 14,139 SH   SOLE   1,058 0 13,081
CARDINAL HEALTH INC COM 14149Y108 759 16,159 SH   SOLE   1,217 0 14,942
CISCO SYS INC COM 17275R102 1,121 28,463 SH   SOLE   1,343 0 27,120
CONOCOPHILLIPS COM 20825C104 662 20,172 SH   SOLE   1,170 0 19,002
CORELOGIC INC COM 21871D103 913 13,490 SH   SOLE   0 0 13,490
DISNEY WALT CO COM DISNEY 254687106 1,439 11,594 SH   SOLE   1,153 0 10,441
DOMINION ENERGY INC COM 25746U109 917 11,614 SH   SOLE   517 0 11,097
EDWARDS LIFESCIENCES CORP COM 28176E108 824 10,321 SH   SOLE   0 0 10,321
EXXON MOBIL CORP COM 30231G102 941 27,406 SH   SOLE   0 0 27,406
FIRST AMERN FINL CORP COM 31847R102 657 12,905 SH   SOLE   0 0 12,905
HP INC COM 40434L105 831 43,780 SH   SOLE   3,141 0 40,639
HONEYWELL INTL INC COM 438516106 2,601 15,799 SH   SOLE   0 0 15,799
HORMEL FOODS CORP COM 440452100 779 15,925 SH   SOLE   1,008 0 14,917
INVESCO EXCH TRD SLF IDX FD BULSHS 2021 CB 46138J700 1,550 72,715 SH   SOLE   4,498 0 68,217
INVESCO EXCH TRD SLF IDX FD BULSHS 2023 CB 46138J866 1,616 74,176 SH   SOLE   3,598 0 70,578
INVESCO EXCH TRD SLF IDX FD BULSHS 2022 CB 46138J882 1,765 80,825 SH   SOLE   5,045 0 75,780
JPMORGAN CHASE & CO COM 46625H100 2,012 20,901 SH   SOLE   1,260 0 19,641
JOHNSON & JOHNSON COM 478160104 2,528 16,979 SH   SOLE   779 0 16,200
KINDER MORGAN INC DEL COM 49456B101 430 34,844 SH   SOLE   2,427 0 32,417
MERCK & CO. INC COM 58933Y105 1,671 20,140 SH   SOLE   1,068 0 19,072
MICROSOFT CORP COM 594918104 4,781 22,731 SH   SOLE   1,251 0 21,480
NIKE INC CL B 654106103 1,497 11,926 SH   SOLE   0 0 11,926
NUVEEN CALIFORNIA AMT QLT MU COM 670651108 2,834 185,587 SH   SOLE   16,134 0 169,453
PEPSICO INC COM 713448108 1,827 13,180 SH   SOLE   558 0 12,622
PFIZER INC COM 717081103 538 14,659 SH   SOLE   0 0 14,659
PIMCO ETF TR ACTIVE BD ETF 72201R775 1,323 11,765 SH   SOLE   980 0 10,785
PROCTER AND GAMBLE CO COM 742718109 2,533 18,227 SH   SOLE   673 0 17,554
PUBLIC SVC ENTERPRISE GRP IN COM 744573106 787 14,332 SH   SOLE   747 0 13,585
QUALCOMM INC COM 747525103 2,936 24,950 SH   SOLE   1,091 0 23,859
REPUBLIC SVCS INC COM 760759100 948 10,158 SH   SOLE   482 0 9,676
SPDR SER TR NUVEEN BLMBRG SR 78468R739 4,842 97,088 SH   SOLE   3,404 0 93,684
SABRA HEALTH CARE REIT INC COM 78573L106 3,271 237,267 SH   SOLE   0 0 237,267
SCHWAB CHARLES CORP COM 808513105 766 21,141 SH   SOLE   936 0 20,205
SCHWAB STRATEGIC TR US LRG CAP ETF 808524201 6,214 77,073 SH   SOLE   3,158 0 73,915
SCHWAB STRATEGIC TR US MID-CAP ETF 808524508 1,659 29,900 SH   SOLE   768 0 29,132
SCHWAB STRATEGIC TR US SML CAP ETF 808524607 1,609 23,545 SH   SOLE   928 0 22,617
SCHWAB STRATEGIC TR INTL EQTY ETF 808524805 2,263 72,056 SH   SOLE   3,191 0 68,865
SCHWAB STRATEGIC TR INTL SCEQT ETF 808524888 546 16,797 SH   SOLE   864 0 15,933
SOUTHWEST AIRLS CO COM 844741108 581 15,494 SH   SOLE   855 0 14,639
STARBUCKS CORP COM 855244109 1,005 11,697 SH   SOLE   655 0 11,042
TRUIST FINL CORP COM 89832Q109 553 14,533 SH   SOLE   910 0 13,623
UNILEVER N V N Y SHS NEW 904784709 832 13,770 SH   SOLE   886 0 12,884
UNITED PARCEL SERVICE INC CL B 911312106 2,581 15,491 SH   SOLE   610 0 14,881
WELLS FARGO CO NEW COM 949746101 312 13,261 SH   SOLE   0 0 13,261
SEAGATE TECHNOLOGY PLC SHS G7945M107 848 17,202 SH   SOLE   1,093 0 16,109
ADOBE SYSTEMS INCORPORATED COM 00724F101 1,055 2,152 SH   SOLE   165 0 1,987
ALPHABET INC CAP STK CL C 02079K107 929 632 SH   SOLE   90 0 542
ALPHABET INC CAP STK CL A 02079K305 1,445 986 SH   SOLE   38 0 948
AMAZON COM INC COM 023135106 1,193 379 SH   SOLE   48 0 331
AMERICAN EXPRESS CO COM 025816109 541 5,396 SH   SOLE   274 0 5,122
AMERICAN TOWER CORP NEW COM 03027X100 407 1,685 SH   SOLE   25 0 1,660
AMERIPRISE FINL INC COM 03076C106 901 5,844 SH   SOLE   211 0 5,633
BERKSHIRE HATHAWAY INC DEL CL B NEW 084670702 428 2,008 SH   SOLE   303 0 1,705
BLACKROCK INC COM 09247X101 921 1,634 SH   SOLE   183 0 1,451
BRISTOL-MYERS SQUIBB CO COM 110122108 380 6,310 SH   SOLE   355 0 5,955
BROADCOM INC COM 11135F101 1,106 3,035 SH   SOLE   197 0 2,838
CVS HEALTH CORP COM 126650100 244 4,181 SH   SOLE   0 0 4,181
CAPITAL ONE FINL CORP COM 14040H105 564 7,843 SH   SOLE   422 0 7,421
CHEVRON CORP NEW COM 166764100 415 5,757 SH   SOLE   0 0 5,757
COLGATE PALMOLIVE CO COM 194162103 489 6,336 SH   SOLE   0 0 6,336
COMMUNITY BK SYS INC COM 203607106 381 7,000 SH   SOLE   0 0 7,000
COSTCO WHSL CORP NEW COM 22160K105 2,633 7,416 SH   SOLE   231 0 7,185
COSTAR GROUP INC COM 22160N109 1,485 1,750 SH   SOLE   99 0 1,651
DEERE & CO COM 244199105 863 3,892 SH   SOLE   211 0 3,681
DIGITAL RLTY TR INC COM 253868103 977 6,659 SH   SOLE   669 0 5,990
ECOLAB INC COM 278865100 200 1,000 SH   SOLE   400 0 600
ELECTRONIC ARTS INC COM 285512109 1,100 8,435 SH   SOLE   895 0 7,540
FACEBOOK INC CL A 30303M102 1,188 4,535 SH   SOLE   640 0 3,895
FEDEX CORP COM 31428X106 1,020 4,055 SH   SOLE   200 0 3,855
GENERAL DYNAMICS CORP COM 369550108 626 4,520 SH   SOLE   177 0 4,343
GENUINE PARTS CO COM 372460105 939 9,863 SH   SOLE   595 0 9,268
GOLDMAN SACHS GROUP INC COM 38141G104 504 2,509 SH   SOLE   0 0 2,509
HOME DEPOT INC COM 437076102 2,629 9,466 SH   SOLE   900 0 8,566
ILLINOIS TOOL WKS INC COM 452308109 1,107 5,727 SH   SOLE   248 0 5,479
INTEL CORP COM 458140100 375 7,238 SH   SOLE   0 0 7,238
INTERNATIONAL BUSINESS MACHS COM 459200101 273 2,246 SH   SOLE   0 0 2,246
INTUITIVE SURGICAL INC COM NEW 46120E602 954 1,345 SH   SOLE   84 0 1,261
ISHARES TR MSCI EAFE ETF 464287465 413 6,490 SH   SOLE   0 0 6,490
ISHARES TR CORE S&P SCP ETF 464287804 281 4,000 SH   SOLE   4,000 0 0
ISHARES TR EAFE GRWTH ETF 464288885 360 4,000 SH   SOLE   4,000 0 0
KLA CORP COM NEW 482480100 1,122 5,790 SH   SOLE   350 0 5,440
KIMBERLY CLARK CORP COM 494368103 581 3,934 SH   SOLE   13 0 3,921
LOCKHEED MARTIN CORP COM 539830109 1,019 2,659 SH   SOLE   193 0 2,466
LOWES COS INC COM 548661107 1,642 9,902 SH   SOLE   373 0 9,529
MARATHON PETE CORP COM 56585A102 240 8,182 SH   SOLE   0 0 8,182
MCDONALDS CORP COM 580135101 1,114 5,077 SH   SOLE   299 0 4,778
MCKESSON CORP COM 58155Q103 300 2,014 SH   SOLE   0 0 2,014
MERCADOLIBRE INC COM 58733R102 325 300 SH   SOLE   0 0 300
NVIDIA CORPORATION COM 67066G104 246 455 SH   SOLE   315 0 140
ORACLE CORP COM 68389X105 388 6,506 SH   SOLE   0 0 6,506
PPG INDS INC COM 693506107 751 6,148 SH   SOLE   114 0 6,034
PVH CORPORATION COM 693656100 423 7,098 SH   SOLE   309 0 6,789
PAYCHEX INC COM 704326107 777 9,743 SH   SOLE   541 0 9,202
PAYPAL HLDGS INC COM 70450Y103 321 1,631 SH   SOLE   0 0 1,631
PIMCO ETF TR INTER MUN BD ACT 72201R866 278 4,951 SH   SOLE   0 0 4,951
PIMCO ETF TR SHTRM MUN BD ACT 72201R874 210 4,104 SH   SOLE   0 0 4,104
PRICE T ROWE GROUP INC COM 74144T108 211 1,647 SH   SOLE   0 0 1,647
ROYAL BK CDA COM 780087102 649 9,253 SH   SOLE   522 0 8,731
SPDR S&P 500 ETF TR TR UNIT 78462F103 595 1,776 SH   SOLE   0 0 1,776
SPDR S&P MIDCAP 400 ETF TR UTSER1 S&PDCRP 78467Y107 505 1,490 SH   SOLE   1,490 0 0
SPDR SER TR NUVEEN BRC MUNIC 78468R721 234 4,500 SH   SOLE   0 0 4,500
SKYWORKS SOLUTIONS INC COM 83088M102 206 1,415 SH   SOLE   0 0 1,415
TAIWAN SEMICONDUCTOR MFG LTD SPONSORED ADS 874039100 224 2,764 SH   SOLE   0 0 2,764
TESLA INC COM 88160R101 508 1,185 SH   SOLE   0 0 1,185
THERMO FISHER SCIENTIFIC INC COM 883556102 381 863 SH   SOLE   0 0 863
UNITEDHEALTH GROUP INC COM 91324P102 1,007 3,231 SH   SOLE   190 0 3,041
VISA INC COM CL A 92826C839 1,085 5,424 SH   SOLE   729 0 4,695
WALMART INC COM 931142103 259 1,852 SH   SOLE   0 0 1,852
WENDYS CO COM 95058W100 206 9,243 SH   SOLE   9,243 0 0